Credit Risk Manager

Harnham; Greater London; On-site; GBP 68,000 - 92,000; Full time

Benefits offered by this job

Equity

Job summary

Harnham is seeking an experienced Credit Risk Manager to lead the credit risk and affordability function within a growth-focused FinTech lender. You will shape strategies, policies and decisioning frameworks while building credit risk models using diverse data sources.

You will work with affordability, bureau and Open Banking data to enhance risk assessment, manage a small team, and partner with senior stakeholders and product teams in a scale-up environment.

Qualifications

• Proven experience in consumer lending and credit risk.
• Strong background in credit strategy, underwriting and risk decisioning.
• Experience working with affordability data and Open Banking data to improve risk assessment.
• Understanding of fraud risk and fraud prevention frameworks.
• Ability to work with data and coding environments, including SQL.
• Experience in FinTech, startup or scale-up environments.

Responsibilities

• Lead the credit risk and affordability function.
• Develop and implement credit strategies, policies and decisioning frameworks.
• Build and integrate credit risk models using diverse data sources.
• Collaborate with affordability, bureau and Open Banking data to enhance risk assessment.
• Manage a small team and partner with senior stakeholders and product teams.

Skills

Credit risk

Affordability data

SQL

Open Banking

Fraud prevention

Leadership

Team management

Job description

Harnham are working with an innovative FinTech lender that is transforming the way consumer lending works through a more personalised and affordability-focused approach. This is an exciting opportunity for an experienced Credit Risk professional to take ownership of a critical function within a growing business.

THE COMPANY

This innovative FinTech lender is rethinking the traditional consumer lending model by placing affordability and financial wellbeing at the centre of its offering. Rather than relying solely on conventional credit scoring methods, the business leverages income, affordability and alternative data sources to create a more personalised lending experience for customers. Having established a strong foundation and achieved positive growth milestones, the company is now entering an exciting scale-up phase, supported by ambitious plans and significant investment opportunities.

THE ROLE

This is a leadership position responsible for shaping and developing the organisation's credit risk and affordability strategy. You will play a key role in building capabilities, influencing product direction, and ensuring robust credit decisioning as the business scales.

Specifically, you can expect to be involved in:

• Leading the credit risk and affordability function.
• Developing and enhancing credit strategies, policies and decisioning frameworks.
• Building and integrating credit risk models using a range of data sources.
• Working with affordability, bureau and Open Banking data to improve risk assessment.
• Managing and developing a small team while collaborating closely with senior stakeholders and product teams.

SKILLS AND EXPERIENCE

The successful Credit Risk Manager will have the following skills and experience:

• Proven experience within consumer lending and credit risk.
• Strong background in credit strategy, underwriting and risk decisioning.
• Experience working with affordability data and Open Banking solutions.
• Understanding of fraud risk and fraud prevention frameworks.
• Ability to work with data and coding environments, including SQL.
• Experience operating within a FinTech, start-up or scale-up environment.

BENEFITS

The successful Credit Risk Manager will receive a salary up to £80,000 as well as equity.

*Please note, this role does not offer visa sponsorship*